Your device is slow because apps are constantly triggering low-memory conditions. Memory was very tight on the 3G, even before iOS 4. This is precisely why multi-tasking isn't enabled. Safari alone is consuming most of your device's memory, by a very large margin. It stays resident in memory when you return to the home screen, and it's one of the last apps to be killed in low-memory conditions. The problem is that mu…
You can also kill Safari (and all other running apps) by holding the sleep button until it shows the slider screen, and then hold the menu button until you get the home screen.
It's much easier and quicker to quit Safari by closing its tabs.